This login relates only to Virgin Money Reward Me Home Loan and Companion Account customers.This login relates only to Virgin Money Home Loan managed by Macquarie Bank and is no longer for sale to new customers.

Your Home Loan Companion Account is your offset facility and can be linked to a variable rate home loan or a 1 year fixed rate loan.

You can use it to drive down the daily interest you pay on your home loan and shave time off its term. Transfer any extra funds you have into this account, you can access the extra funds at any time via the Hub, our online service to manage your accounts.

Over time, being smart about using your offset facility could add up to big savings: Say for example you have a variable rate home loan for $400,000 and on pay day you have $30,000 in your Companion Account. On that day, the interest you pay is only calculated on $370,000. The longer you leave that $30,000 in your Companion Account (or any amount really) the more you could save in interest over the life of your home loan.

You can have a separate offset facility for each variable or 1 year fixed rate loan you have a balance on. For example, if there is more than one borrower on the home loan you could split into separate loans and open a Home Loan Companion Account for each borrower so they can take advantage of the 100% offset facility should they wish to pay separately.

Important: If there is more than one borrower and the loan is split into separate loans all borrowers remain responsible for the overall debt.

If you are in a fixed rate period (excluding the 1 year rate), you won't be able to offset until the end of that fixed rate period when your loan reverts to a variable rate. However, you can still use our Home Loan Companion Account to make your home loan repayments.

How to access the account

To access funds held in your Companion Account you will need to set up your Hub service so you can manage the account online and you can then transfer funds just like any other transaction account.

Important: always make sure you have enough funds in the account to cover your loan repayments and any other transfers you’ve set up.

You can withdraw money from your Companion account whenever you like and also redraw any extra funds you have available in your variable rate home loan (which means if you’ve put more than your minimum repayments into your home loan account that bit of extra cash is yours to play with whenever you like).

You can’t redraw funds from a fixed rate home loan account. To find out what your available redraw balance is log into the Hub.

To access your available redraw or to withdraw funds from your Companion Account, you will need to log into the Hub, withdrawals are not available via our Customer Care Team.

We send everyone (unless you're a joint account holder and you've nominated one person on the loan to receive all correspondence) a home loan statement every 6 months and a Companion Account statement every 3 months.

The 3 and 6 month period is counted from when your account is open.

Your statement includes what you might expect from a transactional type statement, including a repayment record, balance, current interest rate, available redraw amount and so on.

If you've split your loan or have a Companion Account, you'll receive separate statements for each account (so you can easily see what's what).

Switch to eStatements

eStatements are here. Now you can easily view and download your statements instantly and securely within the Hub. We’ll send the primary account holder an email alert to notify you when your new statement is ready and then you can login to the Hub to view, print or save your statement.

To help save on paper, we’d love your permission to turn off your paper statements now that you’ll automatically receive eStatements. Simply login to the Hub today, click on the eStatement tile and change your statement preference to turn off paper statements.

Need a copy of your statement?

Give us a call on 13 81 51 and we’ll be happy to send you a copy of your last statement. You can also check your account online anytime by logging into the Hub.

It's really important to keep us up to date with your contact details, especially your mobile number and email address should we need to contact you regarding your account including any security issues we may identify. To update your details give our Customer Care Team a call on 13 81 51.

If you need to change your name, we need you to:

Provide a signed written request - please specify your account number and the changes to your name. Request should bear both your old signature and new signature.

Provide evidence of your name change – such as marriage certificate, divorce papers or deed poll, change of name certificate issued by the State’s Registry Office of Births, Deaths and Marriages, passport or driver’s licence (please do not send the original – a certified true copy is adequate).

Evidence must be stamped and signed by Justice of the Peace who is registered on the Justice of the Peace website.

If you need to let us know your Velocity Membership Number or notify us of a change, you can do so by logging into the Hub and sending us a secure email or by giving our Customer Care Team a call on 13 81 51.

If you need to make a change to your Velocity Membership details, you'll need to go to the Velocity Frequent Flyer website at velocityfrequentflyer.com and log into your Velocity Account with your Velocity Membership Number or give them a call on 13 18 75. If you haven't joined Velocity, don't worry it's not too late. Head to velocityfrequentflyer.com fill in the application form, then let us know your new Velocity Membership Number. It’s important to know that points do not accrue past the first 90 days after settlement, so if you haven't advised us of your number any points earned will be forfeited.

Make fortnightly repayments if you can

Paying fortnightly means you'll effectively be making an extra payment each year, and slowly but surely shaving dollars off your loan balance and time off your loan term.

If you have spare cash make an extra repayment or ten

As little windfalls come your way, why not put them to good use and drive down your balance? On variable rate loans, you can access extra repayments via redraw if you need the funds at a later time, meanwhile they are saving you on interest (fixed rate loans can't pay more than $10,000 in extra repayments per year).

Use your Companion Account – it's your 100% offset facility

If your home loan's a variable or 1 year fixed rate, consider depositing your salary into your Companion Account and only access the funds when you really need it. As this account is your offset facility, every cent you keep there, counts towards your outstanding home loan balance, and reduces the daily total on which interest is calculated (which means you could save up big over the life of your home loan).

The Lender's standard credit assessment criteria apply. Interest rates quoted are indicative only, and are subject to change without notice. See fees and charges that may be payable.

#Comparison rate: Comparison rate calculated on a loan amount of $150,000 for a term of 25 years. For fixed rates, the comparison rate is also based on an LVR of 80% or less. These rates are for secured lending only. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Rates and fees are subject to change without notice. Comparison rate for variable Interest Only loans are based on an initial 5 year Interest Only period. Comparison rates for fixed interest only loans are based on an initial Interest Only period equal in length to the fixed period. During an interest only period, your interest only payments will not reduce your loan balance. This may mean you pay more interest over the life of the loan.

Canstar: The Virgin Money Reward Me - Owner Occupied Var 80 has been awarded CANSTAR's 5-Star Rating for Outstanding Value Home Loans - Variable Home Loan - Owner Occupied on the 29th March 2017. Refer to the 2017 CANSTAR Home Loan Star Ratings results available here for further details.

Insurance Products: Virgin Car, Virgin Home & Contents Insurance, Virgin Life Insurance and Virgin Income Protection Insurance are promoted by Virgin Money (Australia) Pty Limited (Virgin Money) as the Authorised Representative No. 280884 of Virgin Money Financial Services Pty Ltd AFSL 286869. Car, Home and Contents: Auto & General Services Pty Ltd (ABN 61 003 617 909; AFSL 241411) arranges the insurance on behalf of the product issuer, Auto & General Insurance Company Limited (ABN 42 111 586 353; AFSL 285571). Life and Income Protection: distributed by TAL Direct Pty Limited ABN 39 084 666 017 AFSL 243260. Policies administered and claims paid by TAL Direct under an agreement with the insurer. St Andrew's Insurance (Australia) Pty Ltd ABN 89 075 044 656 AFSL 239649 issues the Involuntary Unemployment Cover. All other benefits insured by TAL Life Limited ABN 70 050 109 450 AFSL 237848. Product Disclosure Statements are available for download from virginmoney.com.au and should be considered prior to making any financial decision. Information on our insurance products is of a general nature only and does not take into account your personal financial situation, needs or objectives. For this reason, you should consider the appropriateness of this information, having regard to your personal financial situation, needs and objectives as well as the Product Disclosure Statement and Financial Services Guide before deciding whether to buy or to continue to hold this product.

BOQ does not and will not guarantee or otherwise support Citibank’s obligations under the contracts or agreements connected with the Credit Cards and Citibank will not guarantee or otherwise support BOQ's obligations under the home loans.

Virgin Money's exclusive home loan offers cannot be combined with other Virgin Money credit card or Virgin insurance offers and do not apply to any renewal offers of insurance. Virgin Money reserves the right to change or withdraw these exclusive offers at any time without notice.

To earn and redeem Velocity Points, you must be a Velocity member. Velocity membership and Points earn and redemption are subject to the Member Terms and Conditions, available at www.velocityfrequentflyer.com, as amended from time to time. Only the person listed as the Primary Borrower on the application will be eligible for Velocity Points, subject to meeting our eligibility criteria.

1,000 Velocity Points allocated for every full $10,000 drawn at settlement.

Anniversary Points, currently 30,000 Velocity Points, are paid on every 3 year anniversary of the settlement date provided total borrowings are greater than $50,000 (net of any balances held in a linked offset facility). Points are only paid once regardless of the number of split borrowings a customer has with us and they must be a continuous Reward Me Home Loan customer during the period.

You may apply for rate lock by paying a fee before the lending date or effective date of the relevant fixed rate.

1,000 Velocity Points per loan account per month.

Offer available to Virgin Money (Australia) Pty Limited ABN 75 103 478 897 Reward Me Home Loan customers. Access to the offer is via the Hub (online account access portal). Neither Virgin Money nor any of its related companies accepts any liability for Virgin Money customer use of the Virgin Australia booking system, the Virgin carrier service or any related matters concerning travel with Virgin Australia. Fares are on sale from 22 April 2016 until midnight 10 June 2017 unless sold out prior. Fares are correct as at 22 April 2016, for travel until 30 June 2017 and only for advance purchase tickets where travel is booked at least 20 days prior to your departure date. All fares are subject to availability and may vary until ticketed. Offer is only for travel on Virgin Australia operated and numbered flights between Australian domestic ports. 10% discount is only applicable to the public base fare Levels (including Business, Flexi, Saver fares). Discount cannot be applied to Tactical/Sales Fares. Seats are limited and may not be available at peak times or on all flights, so the offer is subject to availability. Discount is not applied to any other fees or charges and cannot be used in conjunction with any other offer. Discount is applied automatically at the time of booking. A fee will apply to redemption bookings if booked by phone ($35 or 4,500 Points per person for Virgin Australia domestic and international short-haul redemption bookings. Bookings can be changed/cancelled by paying the fee and any applicable fare difference in accordance with the fare rules, as published on the Virgin Australia website on the day you request your change. For current change and cancel fees, see Virgin Australia’s domestic Fees page http://www.virginaustralia.com/au/en/plan/fees-surcharges/domestic/. Name changes and refunds are not permitted. A minimum checked baggage allowance of 1 piece up to 23kg applies for Saver Fares. Allowances may increase for Silver, Gold and Platinum Velocity members and for different fare classes. Additional fees will be charged for baggage in excess of the published allowances. For current inclusive baggage allowances and fees for excess baggage see Virgin Australia’s domestic Baggage Details page. Go to www.virginaustralia.com for full terms and conditions.

Cash withdrawal limits, fees and charges may apply.

Your total balance transfers may not exceed 80% of your credit limit. The balance transfer interest rate applies to balances transferred with this offer at point of new card application, for the period shown. At the end of the balance transfer period, the interest rate on any outstanding transferred balance will revert to the interest rate for cash advances; currently 20.99% p.a. for the Virgin Australia Velocity Flyer Card, Virgin Australia Velocity High Flyer Card, and 21.69% p.a. for the Virgin Money Low Rate Card. Velocity Points are not issued for balance transfers. Interest rates are variable and subject to change. The interest rates are current as at 1 August 2017. This offer is valid from 1 August 2017 to 31 October 2017.

If you do not pay your account in full by the due date and you carry a balance on your credit card from month to month the 44 days interest free period does not apply. If you then make a purchase you are charged interest. You will then need to pay your balance off in full for 2 consecutive months for the maximum 44 days interest free period to take effect. No interest free period is available on Cash Advances or Balance Transfers.

To earn and redeem Velocity Points, you must be a Velocity Frequent Flyer member. Velocity membership and Points earn and redemption are subject to the member Terms and Conditions, available at www.velocityfrequentflyer.com, as amended from time to time. Velocity Points are earned on Eligible Transactions only. Eligible Transaction means any purchase excluding (but not limited to) Cash Advances, Balance Transfers, Special Promotions, BPAY payments, purchases of foreign currency and travellers cheques, transactions made in operating a business, bank fees and charges such as interest and ATM charges and government related transactions. Government related transactions include transactions with government or semi-government entities, or relating to services provided by or in connection with government (for example but not limited to transactions made at Australia Post, payments to the Australian Taxation Office, council rates, motor registries, tolls, parking stations and meters, fares on public transport, fines and court related costs). For full details see definition.

Visa's Zero Liability policy covers Australian and New Zealand-issued cards and does not apply to ATM transactions, transactions not processed by Visa or certain commercial card transactions. Cardholders should notify their issuer promptly of any unauthorised Visa use. Please ask us for additional details.

The Virgin Australia Gift Voucher benefit is available to Primary Cardholders only and provides one Virgin Australia Gift Voucher to the value of $129 (AUD) each year. You will become eligible for your $129 Virgin Australia Gift Voucher 30 days after card approval in your first year and 30 days after your card anniversary thereafter provided you have made a retail purchase as the Primary Cardholder on your card within 2 months prior to requesting your voucher, your account is active and in good order and you are a Velocity Frequent Flyer Member. See Terms & conditions for full details.

20,000 bonus Velocity Points offer is available to new approved Virgin Australia Velocity High Flyer Card account holders who apply by 31 July 2017. Make an Eligible Transaction within 3 months of card approval date and earn 10,000 bonus Points. Plus, you can earn a further 10,000 bonus Velocity Points if you spend $10,000 on Eligible Transactions within 3 months of card approval date. Eligible Transaction means any purchase excluding (but not limited to) Cash Advances, Balance Transfers, Special Promotions, BPAY payments, purchases of foreign currency and travellers cheques, transactions made in operating a business, bank fees and charges such as interest and ATM charges and government related transactions. Government related transactions include transactions with government or semi-government entities, or relating to services provided by or in connection with government (for example but not limited to transactions made at Australia Post, payments to the Australian Taxation Office, council rates, motor registries, tolls, parking stations and meters, fares on public transport, fines and court related costs). For full details see definition. Credit Card application must be submitted by calling our Home Loan Team on 13 81 51 and the applicant must be a Virgin Money Reward Me Home Loan customer. Points will be credited to the Primary Cardholders Velocity Account up to 60 days after the qualifying purchases. To earn and redeem Velocity Points there must be an active Velocity Membership linked to the Virgin Australia Velocity High Flyer Card account. Velocity membership and Points earn and redemption are subject to the member Terms and Conditions, available at velocityfrequentflyer.com as amended from time to time. This offer can’t be used in conjunction with other Virgin Australia Velocity High Flyer Point promotions or offers. Offer is not available to existing Virgin Money Credit Card holders (including upgrades).

20,000 bonus Velocity Points offer is available to new approved Virgin Australia Velocity Flyer Card account holders who apply by 31 July 2017. Make an Eligible Transaction within 3 months of card approval date and earn 10,000 bonus Points. Plus, you can earn a further 10,000 bonus Velocity Points if you spend $5,000 on Eligible Transactions within 3 months of card approval date. Eligible Transaction means any purchase excluding (but not limited to) Cash Advances, Balance Transfers, Special Promotions, BPAY payments, purchases of foreign currency and travellers cheques, transactions made in operating a business, bank fees and charges such as interest and ATM charges and government related transactions. Government related transactions include transactions with government or semi-government entities, or relating to services provided by or in connection with government (for example but not limited to transactions made at Australia Post, payments to the Australian Taxation Office, council rates, motor registries, tolls, parking stations and meters, fares on public transport, fines and court related costs). For full details see definition. Credit Card applications must be submitted by calling our Home Loan Team on 13 81 51 and the applicant must be a Virgin Money Reward Me Home Loan customer. Points will be credited to the Primary Cardholders Velocity Account up to 60 days after the qualifying purchases. To earn and redeem Velocity Points there must be an active Velocity Membership linked to the Virgin Australia Velocity Flyer Card account. Velocity membership and Points earn and redemption are subject to the Member Terms and Conditions, available at velocityfrequentflyer.com as amended from time to time. This offer can’t be used in conjunction with other Virgin Australia Velocity Flyer Point promotions or offers. Offer is not available to existing Virgin Money Credit Card holders (including upgrades).

The complimentary Lounge pass benefit is available to Primary Virgin Australia Velocity High Flyer Cardholders only and provides two Single-Entry Virgin Australia domestic Lounge passes each year. You will become eligible for your two Single-Entry Virgin Australia domestic Lounge passes upon card activation in your first year and then each anniversary thereafter. See Terms & Conditions for full details.

The quoted redemption booking details are correct as at 16 March 2017 and are subject to change. A Card Payment Fee applies for bookings made via the Velocity website. Payments made via debit/credit card are subject to a payment surcharge between 0.6% to 1.3% (capped at $11 domestic and $70 international per passenger per booking) of the total value of the card transaction. Payments made via PayPal are subject to a payment surcharge of $5.00 (domestic) and up to $23.00 (international) per passenger per booking. This will be added to the total price of your booking at payment and may appear on your bank statement as a separate transaction. Reward Seats to or from Hong Kong operated by Virgin Australia must be booked through the Membership Contact Centre on 13 18 75. For customers wishing to book a Reward Seat for travel on Etihad Airways operated flights, an Etihad Airways Carrier Charge will apply. Redemption bookings are based on a one-way Reward Seat, are subject to availability and to the Velocity Membership Terms and Conditions available at at velocityfrequentflyer.com and must be booked at velocityfrequentflyer.com. Seats are limited and may not be available at peak times or on all flights. Name changes are not permitted. Refunds and itinerary changes are permitted prior to travel, and may be subject to a service fee, fare differences (if applicable) and fare restrictions as outlined on the Virgin Australia website. Bookings for Reward Seat itineraries to, from or via the United States made at least 7 days prior to departure may be cancelled up to 24 hours after confirmation, without penalty by calling the Membership Contact Centre on 13 18 75. For a redemption booking, the payment amount will comprise of taxes. A fee will apply to redemption bookings if booked by phone ($40 or 5,200 Points per person for Virgin Australia domestic and international short-haul redemption bookings and $70 or 8,800 Points per person for Virgin Australia international long-haul redemption bookings and redemption bookings on Velocity's international partner airlines). Taxes, fees and surcharges are payable in addition to Velocity Points redeemed. Any taxes or fee components are not eligible for Points earn. A minimum checked baggage allowance of 1 piece up to 23kg applies for Economy Reward Seats and allowances increase for Silver, Gold and Platinum members. View baggage allowances for Reward Seat Redemptions at velocityfrequentflyer.com. Additional fees will be charged for baggage in excess of the published allowances. Fees are chargeable at the time of purchase and are more expensive if not purchased prior to arriving at the airport. Conditions and travel restrictions apply for all fares. Fares to international destinations not operated by Virgin Australia will be flown by one of Velocity’s international partner airlines. Baggage allowances for flights operated by partner airlines will vary in accordance with the individual policy of that carrier. Please check the operating carrier’s website for full details.

Exclusive Visa Platinum 24/7 concierge service supplied by a third party supplier. Visit visaplatinum.com.au for details.

For claims lodged on or after 1 May 2016, Complimentary Insurance is provided automatically to cardholders under a Group Policy issued to Citigroup Pty Limited by AGA Assistance Australia Pty Limited (trading as Allianz Global Assistance) (AFSL No.245631 ABN 52 097 227 177) on behalf of the insurer Allianz Australia Insurance Limited (AFSL No. 234708 ABN 15 000 122 850) and is subject to Terms, Conditions, exclusions. Limits and excess may apply. Full Terms and Conditions are available here. For claims lodged prior to 1 May 2016, Complimentary Insurance is provided automatically to cardholders under a master agreement between Zurich Australian Insurance Limited ABN 13 000 296 640, AFSL No. 232507 and Citigroup Pty Limited, and is subject to Terms, Conditions and exclusions. Limits and excess may apply. Full Terms and Conditions are available here.

Exclusions and conditions apply. See the Product Disclosure Statement for full details. Not available in Northern Territory, North Queensland and Northern Western Australia.

The 30% discount applies to new combined Virgin Home and Contents Insurance policies purchased online on or after 30 March 2017. GST and statutory charges still apply. Cannot be combined with other Virgin insurance offers and does not apply to any renewal offer of insurance. We reserve the right to shorten or extend the period the discount is offered and vary the amount of the discount.

10,000 Velocity Points is available to new Virgin Home and/or Contents Insurance customers who have a settled Virgin Money Reward Me Home Loan and are listed as the Primary Borrower. Offer is only valid if you purchase a Virgin Home and/or Contents policy online at virginmoney.com.au/home-and-contents and a valid Velocity number is provided at the time of application. Maximum of 10,000 Velocity Points per policy. In order to receive the Points, the policy holder’s name must match the Velocity name and account number provided and the policy must not be cancelled within 30 days of purchase. Velocity Points will be credited to eligible Velocity Account's up to 60 days after policy commencement date. This offer is valid from 01 March 2016 to 31 December 2017 and is subject to change or removal at the discretion of Virgin Money. To earn and redeem Velocity Points, you must be a Velocity member. Velocity membership and Points earn and redemption are subject to the Member Terms and Conditions, available at velocityfrequentflyer.com as amended from time to time. This offer cannot be used in conjunction with any other Virgin Money Home and Contents Insurance Velocity offers, is not redeemable for cash and is not transferrable. Offer is not available to existing Virgin Home & Contents Insurance customers (including renewals).

Virgin Income Protection Insurance is available to Australian residents between 18-60 years of age. Applications subject to acceptance. On the spot cover is available with our Quick & Easy option. Exclusions apply including pre-existing medical conditions, suicide, and dangerous activities. See the PDS for full details.

Virgin Life Insurance is available to Australian residents aged 18-65 years of age. On the spot cover is available with our Quick & Easy option. Exclusions apply including Pre-Existing Medical Conditions, Known Genetic Conditions, suicide, Dangerous Occupations and Dangerous Pastimes. See the PDS for full details.

10,000 Velocity Points is available to new Virgin Life Insurance and Virgin Income Protection customers who have a settled Virgin Money Reward Me Home Loan and are listed as the Primary Borrower. Offer is only available when applied for over the phone and a valid Velocity number is provided at the time of application. Maximum of 10,000 Velocity Points can be received for each new Virgin Life Insurance and/or Income Protection policy. In order to receive the Velocity Points the policy-holder’s name must match the Velocity name and account number provided and the policy must not be cancelled within 30 days of purchase. Points will be credited to eligible Velocity account up to 60 days after the policy has become active and the 30 day cancellation period has expired. This offer is valid from 01 March 2016 to 31 December 2017 and is subject to change or removal at the discretion of Virgin Money. To earn and redeem Velocity Points, you must be a Velocity member. Velocity membership and Points earn and redemption are subject to the Member Terms and Conditions, available at velocityfrequentflyer.com as amended from time to time. This offer cannot be used in conjunction with any other Virgin Life Insurance or Virgin Income Protection offers, is not redeemable for cash and is not transferrable. Offer is not available to existing Virgin Life Insurance or Virgin Income Protection customers (including renewals).

If premium freeze is selected the sum insured will decrease as you age.